# ING-DiBa (ING Deutschland)

> Source: https://docs.barcoder.ai/docs/wallets/ing-diba
> research date 2026-05-29 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [ING Deutschland — official](https://www.ing.de/)

## Overview

**ING-DiBa** (operating as **ING Deutschland**) is **Germany's largest direct bank by customer numbers** + **Germany's 3rd-largest bank overall** + **Germany's most popular bank** <sup>[1][1], [2][2], [Germany report](https://docs.barcoder.ai/docs/payments/DE)</sup>. **End of 2024 baseline**: **10M+ customers** — net 570,000+ new customers added in 2024 (strongest annual increase in over 15 years).

**Distinctive ING-DiBa positioning** <sup>[1][1], [3][3]</sup>:
- **Germany's largest direct bank by customer numbers**
- **Germany's 3rd-largest bank** overall
- **Germany's most popular bank**
- **ING Group wholly owned subsidiary** (Dutch ING Group; Euronext Amsterdam: INGA)
- **Headquartered in Frankfurt am Main**
- **2024 net customer growth**: +570,000 (9.4M end 2023 → 9.9M end 2024) — strongest in 15+ years
- **7th largest bank in Germany** by 2024 metrics (2.31% market share + total assets grew 5.08%)
- **Digital-first institution** with limited physical presence

## History

**1965 — Bank für Sparanlagen und Vermögensbildung (BSV) founded** in Germany — distinctive ING-DiBa deepest predecessor entity.

**1998 — BHF-Bank acquires BSV → renamed Allgemeine Deutsche Direktbank (DiBa)**.

**2003 — ING Group acquires DiBa** — DiBa becomes ING-DiBa.

**2004 — ING-DiBa launches as ING Group's German direct-bank subsidiary**.

**2010 — ING-DiBa mobile banking app launches**.

**2018 — Rebranded operationally to ING Deutschland** (ING-DiBa AG remains legal name).

**2024 — 10M+ customers + 570K+ net annual customer growth (strongest in 15+ years)** <sup>[1][1]</sup>.

**2025 — Germany's largest direct bank position maintained** <sup>[1][1]</sup>.

## Ownership & operator

**Operating entity**: **ING-DiBa AG** (ING Group wholly owned subsidiary; ING Group: Euronext Amsterdam: INGA).

**Parent (ING Group)**: **ING Groep N.V.** (Dutch financial services group; Euronext Amsterdam: INGA; widely held).

**Regulators**: **BaFin (Federal Financial Supervisory Authority)** + **Deutsche Bundesbank** + **ECB**.

## Technical integration

| Layer | Description |
|---|---|
| **Channels** | ING Deutschland mobile app (iOS + Android; Germany's largest direct bank's primary mobile channel) + ING Online Banking + ING-DiBa cards (Visa + Mastercard) + limited physical presence |
| **Identifiers** | Email + card number + IBAN |
| **DE + EU rails** | **SEPA Instant Credit Transfer** (EU SEPA Instant) |
| **License** | Bank (ING-DiBa AG full German banking license; ING Group wholly owned subsidiary; Germany's largest direct bank by customers) |
| **Sub-products** | ING Girokonto + ING Extra-Konto (savings) + ING-DiBa Cards + ING Loans + ING Mortgages + ING Investments + ING Wealth + ING Wholesale Banking (corporate) + ING Direct Investment + ING Pension Plan |
| **Distinctive direct-bank model**: Digital-first institution with limited physical presence; Germany's most popular bank |

## Users & growth

**End of 2024 baseline** <sup>[1][1], [3][3]</sup>:
- **10M+ customers** — Germany's largest direct bank by customers
- **Germany's 3rd-largest bank** overall
- **2024 net customer growth**: +570,000 (strongest annual increase in over 15 years; 9.4M end 2023 → 9.9M end 2024)
- **7th largest bank in Germany** by 2024 metrics (2.31% market share + total assets grew 5.08%)

## Use cases

German retail + investment + corporate + mortgage banking via ING Deutschland mobile app + ING Online Banking + ING-DiBa cards; SEPA Instant; ING Extra-Konto savings + ING Loans + ING Mortgages + ING Investments + ING Direct Investment + ING Pension Plan + ING Wholesale Banking corporate.

## Implementations & partners

**Operator**: **ING-DiBa AG** (ING Group wholly owned subsidiary).

**Parent (ING Group)**: **ING Groep N.V.** (Dutch financial services group; Euronext Amsterdam: INGA; widely held).

**Major German banking + direct-bank competitors**:
- **[Comdirect (Commerzbank brand)](https://docs.barcoder.ai/docs/wallets/comdirect)** (Commerzbank brand since Nov 2020 legal merger; ~3M customers; UK's largest direct bank competitor; brokerage focus)
- **N26** (Germany neobank)
- **DKB Deutsche Kreditbank** (German direct bank; BayernLB subsidiary)
- **Sparkassen** + **Volksbanken** (Germany savings banks + cooperative banks)
- **Deutsche Bank** + **Commerzbank** + **HypoVereinsbank (UniCredit's German subsidiary)** (Germany top banks)
- **Trade Republic** (Germany neobank-broker)
- **Scalable Capital** (Germany broker + robo-advisor)
- **flatex** (Germany online broker; flatexDEGIRO Bank AG)

**ING Group international sister entities**: **ING Belgium + ING Netherlands + ING France + ING Spain + ING Italy + ING Poland + ING Australia (closed 2022)** + others.

**Regulators**: **BaFin + Deutsche Bundesbank + ECB**.

## Fun facts

- **Germany's largest direct bank by customer numbers** — 10M+ customers.
- **Germany's 3rd-largest bank** overall.
- **Germany's most popular bank** (per ING Group positioning).
- **2024 net customer growth**: +570,000 (strongest annual increase in over 15 years).
- **9.4M end 2023 → 9.9M end 2024 → 10M+ in 2025**.
- **ING Group wholly owned subsidiary** (Dutch ING Group; Euronext Amsterdam: INGA).
- **Headquartered in Frankfurt am Main**.
- **1965 BSV predecessor; 1998 DiBa rename; 2003 ING Group acquisition; 2004 ING-DiBa launch; 2018 rebranded to ING Deutschland**.
- **Digital-first institution** with limited physical presence.
- **2024**: 7th largest bank in Germany by 2.31% market share + total assets grew 5.08%.

## Comparison

| Feature | ING-DiBa | [Comdirect (Commerzbank brand)](https://docs.barcoder.ai/docs/wallets/comdirect) (Commerzbank brand Germany direct bank rival; ~3M customers) | [Intesa Sanpaolo + isybank](https://docs.barcoder.ai/docs/wallets/intesa-isybank) (Italy's largest bank + isybank under-30/35 digital comparable) | [bunq](https://docs.barcoder.ai/docs/wallets/bunq) (EU #2 neobank comparable; NL-headquartered) | [BBVA Spain App](https://docs.barcoder.ai/docs/wallets/bbva-spain) (Spain #2 bank + AI app comparable) |
|---|---|---|---|---|---|
| Operator | **ING-DiBa AG (ING Group wholly owned subsidiary; ING Group: Euronext Amsterdam: INGA; ING Groep N.V. Dutch parent)** | Commerzbank AG (FRA: CBK; Comdirect = Commerzbank brand since Nov 2020 legal merger) | Intesa Sanpaolo S.p.A. (Borsa Italiana: ISP; widely held + Italian banking foundations) | bunq B.V. (Amsterdam; Ali Niknam + Series A investors) | BBVA (BME: BBVA; NYSE: BBVA; widely held) |
| Type | **Germany's largest direct bank by customers + ING Group wholly owned subsidiary + Germany's 3rd-largest bank overall + Germany's most popular bank** | Germany direct bank + online stock broker + Commerzbank brand + supermarket retail cash service distinction | Italy's largest bank by total assets + world's 38th largest + 21.5M customers + isybank digital bank for under-30/35 | EU #2 neobank + 30 European countries + flexible crypto staking | Spain #2 bank + 27+ countries + Oct 2 2025 24/7 Bitcoin trading |
| Country | Germany | Germany | IT + 25+ other countries | 30 European countries | ES + 26+ countries |
| Users | **10M+ customers (end 2024); +570K net annual customer growth 2024 (strongest in 15+ years); 7th largest bank in Germany 2.31% market share; total assets grew 5.08% (2024)** | ~3M customers | 21.5M total; isybank 1M+ customers (70%+ under-30 + 75% under-35; 55%+ monthly active) | 20M users (end 2025) | ~70M clients worldwide |
| Distinctive | **1965 BSV predecessor; 1998 DiBa rename; 2003 ING Group acquisition; 2004 ING-DiBa launch as ING Group's German direct-bank subsidiary; 2018 rebranded to ING Deutschland; Frankfurt am Main HQ; Germany's most popular bank; digital-first with limited physical presence; ING Group international sister entities (BE + NL + FR + ES + IT + PL)** | 1994 Germany's first online direct bank focused on brokerage; Nov 2020 legal merger into Commerzbank AG; supermarket retail cash service + Commerzbank ATM physical infrastructure advantage over pure neobanks; historically Germany's leading online stock broker | 2007 Banca Intesa + Sanpaolo IMI merger; Jun 2023 isybank launch; isybank Italy's most-downloaded app on Apple devices (early Oct 2024); isysalvadanaio digital savings innovation; Thought Machine core banking | 2012 founding by Ali Niknam; Sep 2025 first European challenger bank with flexible crypto staking | 1857 Banco de Bilbao; Oct 2 2025 first major Spanish bank with 24/7 Bitcoin trading |

## Status

**Active, Germany's largest direct bank by customer numbers + Germany's 3rd-largest bank overall** <sup>[1][1], [2][2]</sup>:
- **ING-DiBa AG** (ING Group wholly owned subsidiary) since 1965 (BSV predecessor) / 1998 (DiBa rename) / 2003 (ING Group acquisition) / 2004 (ING-DiBa launch); 2018 rebranded to ING Deutschland.
- **10M+ customers** (end 2024); +570K net growth in 2024 (strongest in 15+ years).
- **Germany's most popular bank**.
- **Headquartered in Frankfurt am Main**.
- **Digital-first** with limited physical presence.
- **ING Group international sister entities**: BE + NL + FR + ES + IT + PL.
- **BaFin + Deutsche Bundesbank + ECB regulated**.

## Sources

[1]: https://thebanks.eu/banks/11348 "ING-DiBa AG (Germany) Bank Profile — TheBanks.eu"
[2]: https://en.wikipedia.org/wiki/ING_Group "ING Group — Wikipedia"
[3]: https://grokipedia.com/page/ING-DiBa "ING-DiBa — Grokipedia"
[4]: https://www.bankeronwheels.com/ing-diba-review/ "ING DiBa Review — Banker on Wheels"
[de-cro]: https://docs.barcoder.ai/docs/payments/DE

- [1] [ING-DiBa AG (Germany) Bank Profile — TheBanks.eu][1]
- [2] [ING Group — Wikipedia][2]
- [3] [ING-DiBa — Grokipedia][3]
- [4] [ING DiBa Review — Banker on Wheels][4]
- <sup>[Germany report](https://docs.barcoder.ai/docs/payments/DE)</sup> In-corpus: `reports/countries/DE-germany.md`

## Source

Biography extracted from [ing-diba.md](https://docs.barcoder.ai/source/wallets/ing-diba). See `matrix.md` for standards-support matrix if present.